KURNIAWAN, D. F.; DARMAWAN, I. A.; WAHJONO, S. I. . Gaya Hidup Digital dan Keuangan Mengungkap Daya Tarik Shopee PayLater di Kalangan Milenial. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 3530–3542, 2025. DOI: 10.31004/joecy.v5i2.577. Disponível em: https://joecy.org/index.php/joecy/article/view/577. Acesso em: 16 oct. 2026.